Retire Smarter In
The Pensioner’s Paradise

 
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RESERVE MY PLACE!

Build Your Perfect Retirement—Choose Between:

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Luxury or budget-friendly tropical living (from $1537/month)

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A mountain, city, or beach lifestyle—Caribbean or Pacific

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Every activity you’d want: world class fishing, boating, golf, pickleball, hiking, social clubs, shopping, nightlife, and more

Best Of All: Retires Get A “Red Carpet Package” That
Includes Up To 50% Discounts On Your Bills…

Dear Reader,

It feels good to be wanted, doesn’t it?

The problem is, if you’re living in North America right now, you are—or soon will be—undervalued and overlooked.

Retirees in our culture aren’t given enough respect. As soon as you hit that magic number in your sixties, you’re seen differently…

All a sudden, you’ve somehow become a burden—a burden on the economy… a burden on the health care system… a burden to deal with.

It’s a side effect of our productivity-at-all-costs, live-to-work society…

Now, I prospered in that same system, and maybe you did, too. So I don’t hold a grudge exactly…

I just wish things were better in North America for retirees.

Luckily, it’s not like that everywhere…

In fact, nearly 40 years ago, I started my career specifically with the purpose of finding places abroad where retirees could live better than in North America.

Back then, this new “retire overseas” idea centered around a cheaper lifestyle…

Over time, as my search evolved, and as other places developed, the big idea became even greater:

You can retire in places abroad that are not only cheaper but also safer and more exciting.

Millions of folks over the years have discovered this lifestyle loophole since then…

Fast forward to today, and I am happy to say that this opportunity has taken yet another big step…

Not only can you live for less money in a place that’s nicer than back home…

And not only can you exceed your current standard of living, even when you’re not earning an income…

You can now do it all in a place that rolls out the Red Carpet for you.

The place I am talking about is more affordable and more welcoming…

It’s warm all year-round… only a few hours from the U.S… and full of mountains, islands, and every type of beach you can dream of…

Of course, that’s like a lot of other popular retirement havens…

But this place has one major difference: It views foreign retirees in such high regard that it’s offers them irresistible perks. 

Where is this place that values you as such a valuable asset?

Panama… the same county I’ve chosen for my own (eventual) retirement.

This tropical country right now offers a rare opportunity that most folks around the world can only dream of—an instant retirement boost… 

Seniors Live Like Royalty Here… 

Panama is one of the world’s most international destinations…

It’s been considered the best tax haven... the best property market... the best place to start a business... the best beach escape... and the world’s top retirement haven.

As a retiree here, you'll get the Red Carpet Treatment with an INCREDIBLE list of benefits:

  • 50% off entertainment, including movies, concerts, and sporting events

  • 30-50% off hotel stays

  • 30% off bus, boat, and train fares

  • 25% off airline tickets, both domestic and international

  • 25% off utility bills (electricity, water, and phone)

  • 25% off bills at most restaurants

  • 20% off professional services like lawyers and architects

  • 15-20% off medical, dental, and optometry services

  • 10% off prescription medications

  • Exemption from import taxes on household goods (up to $10,000)

  • Exemption from import duty on a car (every two years)

  • Real estate tax exemptions on certain properties

  • Discounts on personal loans and home mortgages

Plus, you can skip to the front of just about any line, from the grocery store to government offices. It's a small thing, but it might just be every retiree's favorite perk!

As amazing as that all is, I want to point something out:

Those discounts (and that line-skipping perk) requires a culture willing to go along with it all…

In Panama, seniors in this country are treated with the highest respect... it’s how the government can offer this benefits package.

And here’s the kicker: as a retiree, you can move to Panama and enjoy all those perks with one of the easiest visa requirements in the world…

Proof of income of as low as $1,000 per month.
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Our Readers Are Saying:
“I moved to Panama over three years ago based on your publications and recommendations.

“I recently read something you published comparing Belizean and Panamanian retiree visas, and I just would like to say that Panama wants us here!

“The Belizean visa program needs to be evaluated and changed if they want more expats/money to come into their country. If you go to Belize on a visitor’s visa you have to go to the office ‘to pay to stay’ every 30 days then leave every 6 months. The retiree visa wants guaranteed $2,000 a month! Oh, and the internet charges are unbelievable! I looked into Belize because it is an English-speaking country… but forget it!

“I love Panama!”

--Linda L., Current Retiree In Panama
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Of course, it’s not just retirees that Panama covets… they’re happy to welcome foreigners of every age.

In fact, this country offers more than 20 different types of residency visas.

You can get fast-tracked permanent residency for doing things like buying certain property or contributing to the country’s reforestation efforts…

You can get short-term residency as a Digital Nomad (remote work)…

And, if you just want to escape the winters back home every year, you’ll be happy to learn that you can stay up to 90 days at a time here without having to apply for residency.

So, I think we’ve established that Panama wants you here… but is it a place you’d enjoy living?

10 Reasons You Might Just
LOVE Your New Life In Panama

As you’ve now seen, Panama would love to welcome you to her shores…

The folks here have done all that they can to make it as alluring and easy as possible for you to call it home.

And Mother Nature? Well, she’s gone all out here in Panama—giving you 5 completely different lifestyles to choose from…

You can live it up in the vibrant capital, the destination for expats from dozens of different countries…

You can relax in your hammock on a Caribbean beach… or fish every day from your boat on the Pacific coast…

Maybe you’ll opt for the escape and tranquility of island life… or head to the majestic and misty highlands where you can enjoy “eternal spring” weather… 

It’s thanks to all these coveted lifestyle options that you have an endless combination of choices for your life here.

No matter where you eventually choose to live, though, you’ll enjoy a bunch of unique benefits living here…

I’ve tried to squeeze them all into 10 reasons…

#1: The Weather—It’s Always Warm

Tired of feeling cold… or worse, having to scrape ice off your car?

Then you’ll love Panama. Being a tropical country, it’s warm and sunny here all year-round.

The average annual temperature ranges between 75-86°F (24-30°C) in the city and along the coasts,  while in the highlands you can expect cooler, “spring-like” temperatures of 63-70°F (17-21°C).

Panama City can be too hot and sticky for some retirees’ tastes, but, look beyond the capital, and you find pockets of near-perfect climates in some regions.

If you prefer cool mountain temperatures to warm sea-level ones, consider the towns among the highlands and mountains, including El Valle, Santa Fe, and Boquete—one of the one of the world’s most popular expat retirement destinations.

#2: The Affordability—Beach Living For $1537/Month

Can you afford to live in Panama? The simple answer is yes.

But the better answer is that it depends...

On what you're looking for in a home, what you want to do for recreation, and, above all, where in Panama you want to live. 

Pedasi, for example, on the east coast of the Azuero Peninsula, is, depending who's behind the wheel, four to five hours' drive from Panama City.

Your reward for going the distance is a quaint town that is home to one of Panama's friendliest and most welcoming communities.

Your cost of living could be around $1500 a month for a simple yet fully appointed lifestyle.

The cost of living in Pedasi is remarkably low for two reasons…

First, rents are cheap. You can rent a small house near the beach for just a few hundred dollars per month.

Second, there's not much here. Resident in Pedasi, you won't spend much money… because there's not much to buy!

This, however, is changing. Until even a couple of years ago, Pedasi was very much a Panamanian town. It has recently been discovered, though, by retirees in search of a simple and affordable life at the beach, and an eclectic expat community is emerging…

This means more expat-friendly restaurants, bars, and shops, more English spoken, and more fellow expats (both retirees and, also, a younger, entrepreneurial crowd) to enjoy life at the beach with you. Meanwhile, the surfing, windsurfing, fishing, and diving here is also luring tourists more and more.

It all adds up to perfect destination for retirement or a slower pace to life near the ocean…

Beaches, Beers, And BBQs—Enjoy
The Good Life In Pedasi From $1537/Month

Pedasi is a surf town with a village-like atmosphere—large enough to feel like you can live there, yet small enough to make you feel like an active stakeholder in a thriving community.

Jutting into the Pacific, Azuero is the perfect staging post for forays into the ocean and is home to some of Panama's finest coastline, with idyllic islands lying offshore surrounded by a deep blue and turquoise ocean abundant with colorful reefs and marine life.

Closer to shore, wide beaches of golden sand and fascinating rocky outcrops hold rock pools full of tropical life...

While just beyond the sand delicious scents from the grill announce the day's catch... soon to be enjoyed alongside beers and cocktails with friends.

This is daily life here in Pedasi, Panama…
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Our Readers Are Saying:
“Lots of expats have moved from Costa Rica to Panama… Panama has a lot more to offer than Costa Rica.

“I live in Chiriquí near the border with Costa Rica. The Ticos who live near the border do most of their shopping in Panama. It is much cheaper in Panama.

“…I was considering Costa Rica as a place to retire, but instead I chose Panama. It was a good decision. Of course, there are very attractive places in Costa Rica, but as a country Panama has a lot more to offer.

--Robert G., Happily Retired In Panama
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Again, even in the same town, that budget figure can change dramatically according to your wants and needs...

A full-time maid will cost you about $200 a month, for instance, and you can spend five times more on a house with a pool and a view over the water.

And don’t forget about the other costs associated with owning a car, as well as any health care costs (which can vary dramatically based on your needs).

Regardless, health care in general is extremely affordable and of good quality.

#3: The Beaches—
You’ll Never Be Able To Count Them All!

The name Panama is said to mean “place of many fish.” Of course, where’s there’s plenty of fish there’s plenty of water…

And Panama hit the jackpot when it comes to bodies of water--this little country boasts not one but two long ocean coasts…

On one side, you have the dramatic Pacific Ocean. You’ll find sandy beaches and spectacular shows of nature as the waves batter the coast and throw spray (and sometimes surfers) up into the air. This side of the country’s coasts are well developed and connected to the modern capital city by a highway.

On the other side, you’ll find the relaxed, calming, and crystal blue waters of the Caribbean Sea. This is the paradise coast… palm trees, powder white sand beaches, and plenty of Bob Marley and Jimmy Buffet drifting through the air. This Caribbean coast is much less developed and a bit harder to access, but that just proves it even more as an escape from the world…

You’re truly spoiled for choice when it comes to beaches here in Panama.

Nothing’s better than having access to the beach every day of the year… here in Panama the sun is bright, and the weather is always warm.

It’s the perfect formula for beach lovers. Even better, you’re spoiled for choice when it comes to the types of beaches…

White sands, golden shores, black pebbles… dramatic Pacific breakers vs lazy Caribbean swells… coasts for partying it up and others to get away from it all…

They’re all here for you to discover in Panama, a beach lover’s paradise.

#4: The Ease Of Settling In—
Familiar… With Expats Galore

The retirees’ path in Panama is well-worn.

This country has been attracting foreign retirees in growing numbers for over two decades. I’ve already discussed the special visa targeting retirees, and I hope this “Top 10” list you’re currently reading helps give you a good reason why.

Of course, many of the folks moving here are entrepreneurs or expats who’ve come to work (at one of the dozens multinationals) or to raise a family (thanks to the dozens of international schools). Again, Panama offers folks with just about every agenda an easy way to settle down here.

The currency in Panama is the U.S. dollar, so U.S. retirees have no currency-exchange risk or confusion to worry about.

You can also get by without speaking Spanish. I don’t recommend it, but, in Panama City and certain expat enclaves, you don’t have to learn to speak Spanish if you don’t want to.

The infrastructure is of a high standard. This is a place where things generally work—the internet, cable TV, phone service, etc., are all the most reliable in the region. The roadways and highway systems are being constantly expanded and improved. ATMs are on every corner.

Panama City is also an international travel hub, very accessible from North America. Flights from Florida, for example, are as short as two-and-a-half hours.
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Our Readers Are Saying:
“I love Panama City. Condos and rents are cheap relative to other cities like this in the world. Restaurants are cheaper. Uber is very cheap. Maid service is cheap.

“If one wants a great urban lifestyle this is the place.

“Flying to Panama is easy from the United States. Copa Airlines flies nonstop from many U.S. cities for low fares. There’s something for everyone here. Panama City is affordable for the city person even on Social Security alone.

“Sure, there are cheaper places. But they are backwaters and hard to get to.”

--Anthony B., Happy American Expat In Panama
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#5: The Health Care—
Johns Hopkins Is Here…

Let’s start with quality… health care in Panama is of an international standard, and Panama City is home to Hospital Punta Pacífica, the only hospital in Latin America affiliated with and managed by Johns Hopkins Medicine International.

Small clinics handle everyday ailments, and every doctor we’ve ever met has always been friendly and as helpful as possible, and that includes speaking English most of the time.

As far as costs, I should first point out that Canadian and U.S. Medicare aren't honored in Panama (or anywhere else abroad). Commercial insurance policies such as Blue Cross and Blue Shield, United, and Humana also aren't accepted unless it's within their specialized international group (you wouldn't have that kind of policy without knowing it).

Local Panama health insurance (which can be good, comprehensive coverage—all you need living in this country) can cost under $100 per month… while international coverage can go for two to three times more (and much more if you include coverage inside the U.S.)
 
Regardless, if you’re an American, you’ll be blown away how low medical costs are here. Like everything, medical costs are higher in Panama City than elsewhere in the country, but, even in the capital, a doctor’s visit costs $50 or less.

#6: Beauty and Adventure—
This Is A Natural Wonderland

A country with two long coasts—one with crashing Pacific waves and the other with crystal-blue Caribbean waters—is enough to pique any nature lover’s interest…

Panama is also filled with rainforests and jungles…

And it has countless islands on both sides of its shores. Around the island of Coiba, you’ll find the largest coral reef on the Pacific side of the Americas.

Panama also has a mountain range running down its length, complete with an active volcano! Worry not of a Pompeian ending to your retirement, though... Volcan Baru is classified as dormant, with its last eruption taking place at least 500 years ago.

What else? Because of its unique geographical position, Panama harbors a greater diversity of wildlife than any other country in Central America. A natural land bridge connecting the two continents, Panama is home to both North and South American species of wildlife. About 29% of the country’s land area is protected in 14 national parks, more than a dozen forest reserves, and 10 wildlife refuges…

Panama is home to more than 940 species of birds as well as 220 mammals and 354 reptiles and amphibians… from howler monkeys to caimans, from tiger cats to turtles, from ocelots to crocodiles, and from pelicans and toucans to king crabs and iguanas…

Plus, you’ll find the Central American tapir, the American crocodile, the scarlet macaw, many species of eagle, humpback whales, dolphins, and hammerhead sharks…

#7: Things To Do—
You’ll Never Go Bored Here

One of the things that is often overlooked when picking out a place to live abroad is activities…

You generally have a few categories for activities: cultural and historical, sporting and outdoor, and shopping and nightlife.

Panama boasts all the above.

Now, while you won’t find “high” culture in the form of world-class art museums or Broadway-quality plays…

You’ll find plenty of history and eco-tourism here, thanks to multiple World Heritage Sites (Casco Viejo, Panama Viejo, and the forts of San Lorenzo and Portobelo) and UNESCO Natural World Heritage Sites (the province of Darién, Coiba National Park, and the La Amistad Reserve).

Casco Viejo, the ”old town” in the capital, is the rare place with both Spanish- and French-colonial architecture. These days, Casco is arguably the nicest part of the city, with the trendiest nightlife, the most walkable streets, and the nicest restaurants. Panama Viejo, on the other hand, has been left more or less in the same ruinous state since famous pirate Captain Henry Morgan sacked and burned it in 1671.

And, of course, I strongly suggest you see one of the wonders of the world, the Panama Canal. You can pay to go through the canal on a boat, but you can also go for a ride in the lake that makes up part of the canal—be sure to check out Monkey Island… just watch out for the mischievous ones that’ll jump on your boat!

Speaking of outdoor activities, I can say everything is here except winter sports…

You can golf with a mountain backdrop or by the ocean on one of the 15 courses in the country (including one designed by Jack Nicklaus).

Panama boasts some of the world’s best surfing, snorkeling, diving, sportfishing, birding, boating, and adventure opportunities anywhere on earth.

You can ride ATVs and horses on the sand… or jetskis and windsails on the water. You can opt for tennis and pickleball… or lasertag and paintball.

And, on a clear day, a hike up Volcán Barú will allow you to see both oceans.

Finally, with casinos, clubs, bars, and restaurants found everywhere, as well as luxury shopping including Louis Vuitton, Hermes, and more… Panama City is the top destination within Latin America for nightlife and shopping.
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Our Readers Are Saying:
“Kathleen, I moved to Panama 12 years ago because I like gardening and wanted to live in a place where gardening is possible year-round without worrying about frost.


“Here in the highlands of Chiriquí, we have very rich black volcanic soil, and it is cool enough here to grow many temperate plants, yet it is frost-free.

“Gardening is one of the most popular hobbies in the United States, especially among retirees, and a reason to move to Panama. If you move to a foreign country with an interesting hobby, it helps to keep you from becoming bored and dissatisfied with your choice.


“In addition to gardening, birding is very popular in Panama, as there is an unusually large number of species of birds living here…”

–Robert G., Happily Retired In Panama For The Past 12 Years
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#8: Stable Politics And Economy—
Virtually Guaranteed By The USA

A few big things mean Panama will always be one of the most stable countries in Latin America…

First, with the US dollar as the currency in Panama, you won’t have to worry about the government getting itself into trouble like so many others have.

Second, the Panama Canal is critical to the world economy. Frankly speaking, the American government will not allow any political instability to upset that…

Finally, many Latin countries rely on tourism to power their economy. Not so in Panama…

Its position is too strategic to ignore for multinationals. And so dozens of them are here, from John Deere to 3M.

Their presence has helped foster the giant banking sector here, which has led to a boom of international law and tax firms.

Panama is, in a word, prosperous. And the great thing? The government is in the rare position of not being able to mess it all up.

#9: Tax Haven Benefits—
A True Tax Haven

Panama is one of the world’s true tax havens.

It’s a place where you can live and do business tax-free. As a foreign resident, you can pay zero local tax… and you can operate your business here tax-free, too.

When setting up offshore entities to protect your assets, you’ll find Panama’s financial services sector covers any possible service that you’ll need.

Panama got a bad rap during the “Panama Papers” scandal, but it didn’t tell the whole story… the majority of the people whose privacy was infringed upon did absolutely nothing wrong.

In fact, Steve Forbes had this to say about Panama:

#10: Investment Opportunities—
I’ve Put My Own Money Here 

Just about all the reasons above lead to this one…

Tax incentives, an influx of expats, and those two stunning coastlines.

I can speak firsthand about the two most popular ways to invest here: real estate and entrepreneurship.

I don’t have a beach bar, hotel, or dive shop like so many other expats—instead, I have Live And Invest Overseas, a publishing and events company that you may have heard of.

Panama is the best place anywhere in the world today to start a business. That’s why I moved here from my “retirement” in France.

We’re taking advantage of the tax incentives I mentioned before, and we’re tapping into a workforce in the capital city that features plenty of talented locals and expats…

Thanks to the low cost of living here, the company enjoys a balance of overheads and work quality that is impossible just about anywhere else in the world.

With a city condo and Los Islotes, our 300-acre housing development under development, we also have plenty of real estate experience here in Panama.

We believe property is the best asset you can hold to protect and grow your wealth… and Panama is our top property market.

Other property markets worldwide imploded during the Great Recession.

Why didn’t Panama fall to the same fate?

I can identify four reasons:


  1. This market was not made and is not supported by Americans, at least not 100%. This market was also made by South Americans, Asians, and other Latino investors looking for safe haven for their capital. Panama continues to offer this, certainly relative to other regional options…

  2. Panama is not only a safe haven for worried investors from less free markets, it’s also the top doing-business haven in this part of the world. Big international firms (more than 40 of them, including Dell, Procter & Gamble, Caterpillar) have targeted this country, especially Panama City’s Panama Pacífico international business park located at the former Howard Air Force Base…

  3. Panama’s own infrastructure improvement projects (such as the Panama Canal expansion project… the Cinta Costera Panama City-center thoroughfare… the Panama City metro expansion… and the nearly doubling in size of the already bigger-than-any-other-airport-in-the-region Tocumen International) have required a big and ongoing influx of foreign labor. This foreign labor population is an important and expanding piece of this country’s economy…

  4. Meantime, the middle class in this country is exploding in size, creating ever-expanding local markets…
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Our Readers Are Saying:
“Kathleen, I am doing very fine living and running my business from Panama, using your advice…

“I was born and raised in Europe—France, to be exact. I know Portugal, and it is nice. Europe is still very appealing for me. I visit to see my family and to eat and drink, of course.

“Keep up the good work. You run a first-class business across all your ventures.

“I hope to see you in Panama sometime.”

--Bernard R., Successful Entrepreneur In Panama
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The Truth? This List Isn’t Enough—
Here’s What To Understand…

A list of all the nice things about living in Panama… pretty photos and videos… and an expert perspective (mine) will only get you so far.

You can’t decide whether or not Panama makes sense for you until you do at least two things…

First, you need to spend time here. You need to eat the food, walk around, and take a trip to the mall and grocery markets. Even if it’s just a week of your time, you can still get an idea of what living here might actually be like.

More than that, you have to feel a place to know if it's right for you—breathe in the air, hear the commotion, talk to the people... and listen to your gut.

After decades of traveling to countries, this little tip has never steered me wrong. It can take just a single day to determine if a place is overhyped or undervalued.

Second, before you invest months of your time trying out Panama for size, you need to hear from those who have gone before you.

I live in Panama because I wanted to start a business and develop a community…

In fact, I am writing to you today from the home I had built here in Panama. From my balcony, I can see monkeys jumping from tree to tree… the calls of tropical birds seem to grow louder with each leap. And, in the distance, I can see the mighty Pacific Ocean roiling about while it reflects the bright tropical sun…

This is my paradise in Panama, but yours might look much different.  

That is to say, you need to hear from multiple perspectives…

After being in Panama all these decades, we've gotten to know everyone you'd want to know if you were thinking about following in our footsteps.

We know expat retirees from America, Canada, Britain, Australia, South Africa, France, Germany, and beyond…

We’re friends with over a dozen expat entrepreneurs, from B&B owners to tax lawyers…

We’ve rubbed elbows with Panamanian presidents, politicians, and big-time businessmen who help run the country.

Our circle of Panama friends, expats, and advisors is extensive.

You’ll want to hear their thoughts on living in Panama as a foreigner, of course…

But many of them also represent the experienced, professional counsel you’ll need when making Panama your home or investment market (for things like taxes, banking, trusts, corporations, residency, investor support, and insurance).

My rolodex includes trusted personal advisors, people you can count on to help you accomplish whatever you’re hoping to accomplish in this country safely and efficiently.

That all leads me to an invitation… 

It’s one that lets you experience the country with your own senses, while also introducing to all the support you’ll ever need here…


Presenting the most expert, most trusted, and longest running event of its kind:

Figuring out a new life in a new country can be a hassle…

You don’t want to run around from banker to attorney… from developer to owner… from agent to broker… from tax advisor to insurance salesman… from visa specialist to customs agent… back to the banker… back to the attorney…

You don’t want to stand in lines… struggle with the language… wait hours for appointments with the wrong people…

You don’t want to wonder if you’re getting a good price… if you’re being presented with all the options…

No, there’s no reason at all to subject yourself to that torture.

Not when there’s a way to get the real-deal, honest feedback without the marketing hype.

Better yet, instead of being told everything, you’ll want to ask your own questions so that you get not only the right information, but the relevant advice as well…

Our Live And Invest In Panama Conference lets you do all that—and in the company of experts, locals, and other folks also considering the country.

Over two-a-half days here, you’ll get to know Panama’s best places to live—“thin sliced” to exact places that could be your personal slice of paradise.

The event will give you a comprehensive, in-depth view of Panama that outsiders and tourists simply don’t know.

Our Live and Invest in Panama Conference has three major objectives:

  1. To help you find out if Panama could be the place for you…

  1. To show you where in Panama, specifically, you should live or invest…

  1. To give you the knowledge, support, and contacts necessary to create a plan and act with confidence…


After attending this event, you’ll be fully prepared, with all the practical matters at your fingertips…

Taxes, banking, property financing, health care, health insurance…

Dealing with culture shock, mitigating your tax burden, shopping for health insurance, choosing life insurance, budgeting for owning a car…

Helping your children adjust to a new life overseas, staying in touch with your kids back home…

The Live And Invest In Panama Conference is the A-to-Z education you need to make decisions about a next step in this country that offers so many appealing and almost unbelievably affordable options for investment and lifestyle.

Plus, maybe most important, you’ll benefit from the experience of those who have gone before you… 

At this conference, you’ll hear from seasoned expats, investors, and retirees who were once in your shoes.

Skip the unneeded hassles and costs…

Get everything you need handed to you when you join us, live and in person, for our Live And Invest In Panama Conference.

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RESERVE MY PLACE!
Our Promise To You
The Live And Invest In Panama Conference will give you the insights and the contact network you need to make the right decisions in Panama—guaranteed.

You’ll get private access to every discussion, panel debate, and presentation, as well as direct access to all our experts…

All in one place where you can also meet and mingle with more than 100 of your fellow readers.
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“Thank You For All Your Advice…”

You have not disappointed us in any way. We attended one of your conferences three years ago about Panama and am very happy to tell you we followed your advice and have been living in Coronado Panama for over two years now… It has been an adventure and a thrill to live a beautiful foreign country and live the life we worked so hard to attain. Thank you for all your advice and the information.

‐‐Paul and Sandi Mayhew

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“I Still Love It…”

Thank you for advising me. I have been in Panama for over a year now, and I still love it. “Thanks to you and your info, my move down here, with my little dog, has gone quite smoothly. ¡Muchas gracias!”

‐‐Betty M., American Retiree In Panama

Experience It Live…

Then Get Lifetime Access

To ALL Of The Information

Your registration today gets you more than just interactive access to the event, our experts, and all of their insights…

We’ll be recording everything—every data sheet, every checklist, every discussion, every panel debate, and every bit of information.

We’ll edit, organize, and package it all into a high-definition video program that you can download or access online whenever and from wherever you want…

We’ll even add in some e-books for quick and easy reference.
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“I Would Do This Again In A Heartbeat!”

I so enjoyed my week in Panama. Thanks Kathleen and Lief for a fabulous conference and the exposure to investments I would otherwise never have had. The price of the conference is well worth the education and investment opportunity. I loved Panama! I would do this again in a heartbeat!

‐‐Karen M., Unites States

Leverage Decades Of Experience
Living, Working, And Investing Here…

After three decades living and investing here, we’ve developed an
unmatched inner circle of experts…
How exactly can you get a leg up from my experience living here?

Well, all those years of experience… all those contacts and resources… and all those community connections?

I’ll be bringing all that—and then some—to the table over the three days of our Live and Invest in Panama Conference.
I’ve put out a call to my inner circle…

And I’m pleased to report that they’ve all responded enthusiastically in the affirmative.

They are ready for action. They’re ready to help you.

With their help, we’ve put together an A+ program.

Join us in Panama, and you’ll learn everything you need to know about residency and taxes… bank accounts and corporations…
holding structures and health insurance… shipping your goods and bringing your pets… employment opportunities (these are limited) and entrepreneurial options (these are not)…

Bottom line, you’ll meet everyone you’ll need to know to launch your new life in Panama.

We’re opening our personal Rolodex for this event…

At our Live And Invest In Panama Conference, we’ll introduce you to:
The #1 Legal Resource in Panama:

 Roberto Guardia 

Attorney-at-Law
Roberto is our personal attorney, the one who’s by our side for every real estate purchase, every visa application, every bank account, every corporation, and every contract.

Roberto was born and raised in Panama. He knows Panama law, and he understands the current Panama market. He knows the players. He knows what to look for in developer sales agreements and what to demand in pre-construction contacts.
He (and his top-notch staff) know their way around the immigration office… and understand the advantages and the downsides to every one of this country’s more than a dozen visa options.
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The #1 Resource for Investing in Panama:

 Lief Simon 

Real Estate Investor And Consultant
Lief Simon has lived and worked on 5 continents and traveled to more than 60 countries.

He has personally bought and sold property in 23 countries.

Lief made his first Panama purchase 20 years ago and continues shopping and buying today.
In that time, he’s covered every corner of this country. Lief knows where to buy now and how much to spend. He knows the pitfalls and the caveats and how to avoid them all.

If your Panama agenda includes any real estate or offshorer component, this is the man you want to speak with… during the event, you’ll have the chance to do just that.
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The #1 Insider In Panama:

 Jose Bern 

Vice President, Empresas Bern
Empresas Bern is the premier real estate and construction company in Panama.

Their portfolio includes a variety of residential, commercial, and mixed-use developments, and they are perhaps the biggest contributor to Panama's now-famous skyline and urban development.
Jose Manuel Bern is one of Panama’s most respected people, helping to direct the country’s development and hospitality sector. A regular lecturer at New York University and a graduate of Georgia Tech University in Atlanta, Bern has over 25 years’ managing some of Panama’s largest companies.

Jose Bern is a true insider, one of the country’s actual shaker and movers…

You’re unlikely to ever meet anyone more connected or tied into the local goings-on—at the event, you’ll enjoy an unparalleled level of local insights…
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The #1 Resource For Taxes In Panama:

 Dr. Tom Rowley 

Principal Consultant, PanUS Consulting, Inc.
Dr. Rowley earned his Ph.D. in accounting at The University of Utah where he also earned a Masters in Human Resource Management with an emphasis in organizational behavior. He holds CPA certificates in Florida and Georgia.

Tom has consulted with Fortune 500 companies and other start-up enterprises in Central America.
In 2004 he helped form PanUS Accounting and Tax services as a franchisee of his Atlanta-based LLC.

His combination of extensive experience and personal expat experience has led to unmatched satisfaction among clients needing business and tax services in Panama.
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The #1 Resource for Insurance in Panama:

 Gonzalo de la Guardia  

Licensed Broker, ADG Seguros
Gonzalo de la Guardia is your one-stop resource for all your Panama insurance needs. Gonzalo has been helping expats in this country shop for insurance for more than 35 years. He understands your concerns and needs, and he’s well familiar with all the options.

Health insurance may be one of your biggest concerns as you prepare to make a move overseas. Gonzalo understands that and is ready to answer all your questions.
In addition, though, he’s also the most knowledgeable and experienced source of information and advice you’re going to find in this country on title, automobile, fire, homeowners, and life insurance. Gonzalo can help you understand the costs and the product options in each case and make the most informed decision to suit your personal circumstances.

Again, you’ll have the opportunity to speak directly with Gonzalo and to have your particular insurance questions and concerns addressed.
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 Liz Larroquette
 

Panama Property Expert, Empresas Bern
Liz is one of the most successful real estate executives in Panama with more than 13 years’ experience.

She is also a lifestyle expert posting regular blogs on her website, lizlarroquette.com, about living and thriving in her adopted country of Panama.
An Australian by birth, educated at university, Liz began her career in tourism in Latin America. Her writings are trusted and read by thousands of individuals considering moving to or investing in Panama.
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The #1 Resource For Living and retiring in Panama:

 Kathleen Peddicord 

Founding Publisher,
Live and Invest Overseas

My name is Kathleen Peddicord.

I’ve been covering this beat, researching, writing, speaking, and presenting on the opportunities for living, retiring, and investing overseas, for more than three decades.
I have moved children, staff, enterprises, household goods, and pets from the East Coast of the United States first to Waterford, Ireland… then to Paris, France… next to Panama City, Panama… and, most recently, we’ve flipped the switch to a new stage of our lives that has us moving around the world regularly with Paris and Panama City as complementary home bases.

I have traveled to more than 75 countries, invested in real estate in 23, established businesses in 7, and renovated historic properties in 6. I’ve written seven books (including “How To Retire Overseas” and “How To Buy Real Estate Overseas” published by Penguin and Wiley, respectively).

I’ve also appeared dozens of times on television and radio (everything from Bloomberg and CNBC to Fox News and the Regis Philbin Show), detailing opportunities for living, retiring, and investing all around the world.

In other words, I know what I’m talking about… and I am keen to help you discover your new life here in Panama.
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“Experience, Knowledge, And Competence Are Top-Shelf”

"The level of experience, knowledge, and competence is top-shelf. Primarily, I appreciated the sincere and honest approach of the organizers and all the presenters, as well as the obvious desire to give participants complete, accurate, timely, and appropriate information and to answer questions thoroughly."

‐‐Andrew F., United States

 You’ll Also Meet And Hear From:

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Representatives from our recommended local banks…
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Our preferred local shipping and logistics firm… so you can get answers to all your questions on what to do with all of your stuff (including your car and pets)…
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Doctors and medical professionals from the top local hospitals and health care facilities…
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Our favorite Spanish-language teachers…
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Our recommended local real estate agents (with long experience helping foreigners buy property in this country)…
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Expat-entrepreneurs running successful businesses that are funding their Panama adventures…
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Current expats and retirees who made the move from North America and Europe… people who have made plenty of mistakes but have also enjoyed great success here…
Plus, at our Live And Invest in Panama event, we’ll also introduce you to the people behind the most appealing property developments on offer in the most appealing regions of this beautiful country… from Panama City to the city beaches… from the highlands to the glorious Pacific coast… and from the country’s white sand-fringed Caribbean coast to our favorite little beach towns…
One problem with Panama is that you’re spoiled for choice. Panama City’s, especially, is a mature real estate market. How do you choose among all the options for city living?

And which beach communities make most sense for you given your personal preferences, priorities, and budget?

We’ve been scouting, researching, and performing due diligence on renting and buying for more than a dozen years.

We know who’s doing what… and who’s doing something he shouldn’t be doing.

We know who is building dream homes by the beach and who’s the subject of serial horror stories.

So, who do we want to recommend?

We understand that every speaker and exhibitor we introduce to you comes with our implied endorsement.

We don’t take that lightly. Our reputation is everything. We want you to be wowed by the quality of this event…

We’re in this for the long haul with you.

But the same can’t be said for all the real estate developers in this part of the world…

We’re careful, because we’ve learned we’ve got to be. That’s why, for this event, we’re inviting but a handful of developers.

These are the guys we want you to know, for theirs are the development projects worth your attention… and your investment.

“Sophisticated And Thoughtful”

"I have to say that you seem to dig deeper into the feel of a particular place and to do comparative analysis between alternative places."
"Your approach is more sophisticated and thoughtful and therefore more useful than that of other information sources covering these same subjects."

‐‐John W., United States

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Where Should You Buy For
Investment In Panama Today?

We can show you where and how to find
your new home or investment in Panama—and to get the best deal…
Panama is one of the fastest-moving property markets on the planet.

No, that’s not true. Panama is many property markets… and they’re all shifting so fast right now it can make your head spin.

How do you keep your wits about you… buy smart… and come out on top?

More to the point: Where do you look to buy in the first place?

Lief Simon and our other in-country Panama property experts will tell you. Join us in Panama to find out…
Is this the time to buy in Panama City?
How much should you pay for farmland? Where should you buy? And what might you best grow?
What’s the best investment in the country right now overall?
Is pre-construction still smart?
What about these hotel-condos?
Most up-and-coming region?
Where will the expanded international airport terminal go?
Where else might you front-run the infrastructure?
Panama’s Next Big Thing? We believe we’ve found it…
Best buy on undeveloped beachfront?
Best condo buy for 2024?
No hype, no baloney…

Have all of your property questions answered at the Live and Invest in Panama Conference…
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Our Readers Are Saying:
“As the saying goes, ‘When a student is ready the teacher will appear.’ My life was ripe and longing for change, then your conference happened in Panama—and I went...

“The opportunities presented were just the kind of thing I’ve been looking for, and I’ve invested a good bit in two of them so far. It reassured me that being involved with you all at LIOS is likely one of the best things I have come across in recent years.

“I so greatly appreciate your passion to vet and bring solid opportunities to so many folks, helping us to bypass many mistakes and showing us that even our wildest dreams can come true.

“Thank you for showing us it’s all doable, even for a single gal without any support from family or friends to fall back on. You all at LIOS and the people I met at that conference are my support network now…

“Thank you, thank you, thank you! I’m thrilled to be in the midst of the next phase of the rest of my wonderful life—and you all were a huge part of that!

“All the best until we meet again.”

--Sandy F., United States
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“You Have Made A Lot of Dreams Come True”

Thank you for all your hard work. You have made a lot of dreams come true. I am always telling people about you and how you started your publications years ago. In fact, I just today told my banker about how honest and smart you are, letting us know where to go. Wish I had listened to you more years ago…

‐‐Marlene M., United States

If All These Folks Could Do It,
You Can Do It Too!

What is your Panama dream? Let us help you realize it…
Who else will you meet at our Live and Invest in Panama Conference?
Others just like you who’ve already made the move:

Expats already living, investing, or doing business in this country.

In fact, these introductions alone are worth the price of admission. They could be the most important benefit of the entire event.


I’m not counting myself as part of this crew. Yes, I’m an expat living, investing, and doing business in Panama… but I understand if you’d like to hear about Panama from someone other than me for a change.

These people have no agenda. They’ve agreed to participate in the event for no reason other than they’d like to help fellow expats considering following in their footsteps. They receive nothing in return… have no ties to anyone (including me or Live and Invest Overseas)… and are hindered by no conflict of interest.

Our only request of them is that they tell it like it is. What you hear from these Panama expats won’t be all good. Maybe it won’t even be mostly good. But it will be the real deal.

“Honest, Tell-It-Like-It-Is Approach”

I particularly appreciated your information today about the joys (?) of international rental property. What I admire is your honest, tell-it-like-it-is approach. A lot of people have been hurt by nothing but glowing reports about offshore living from various sources. Your honest, direct approach is a real service.

‐‐Arlean K., United States

No place is perfect, and we understand that a rose-colored view does you no favors…

There’s a reason these folks (and Lief and I) are in Panama. We’re fans. But we’re not fools. We know the good, the bad, the beautiful, and the ugly of day-to-day life and of trying to do day-to-day business in this place. We’re enjoying the advantages… and we’re reconciled to the downsides.

An important part of our agenda during this event is to show you these downsides… so you can decide whether you can live with them, too.

To this end, our expat speakers will be there to tell you about life in Panama as it really is…

One expat couple is living out their vision, building their dream home on the beach and taking midday surf breaks on the daily…

Another “expat” has rediscovered his home country after moving to the States to try to attain the American Dream, which he eventually found back home, in Panama…

But all stories of success come with some struggle… and your seat grants you the opportunity to avoid any mistakes they may have made along the way…
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“Awesome Job!”

This was a 10! Great event. Awesome job by the Live and Invest Overseas team!

‐‐Edward T., United States

At this Live And Invest In Panama Conference, I look forward to sharing details of our long experience in this little country with such an abundance of upside.

More than that, I look forward to the chance to meet you face-to-face and one-on-one. For me, this is one of the best parts of these live events.

This will be a high-energy, full-throttle set of days… 

But we’ll do everything we can to make sure it’s also a whole lot of fun...

We’re building in (open bar!) cocktail receptions, coffee breaks, open-air parties, and other special events to give you as much opportunity as possible to mingle and mix with your fellow attendees, with our Live And Invest Overseas panel of experts, and with all the Panama expats we’ve invited to join us.

You never know where these cocktail and poolside conversations might lead. Over the years, we’ve known readers who’ve met business partners… roommates… equity investors… language tutors… and, certainly, great friends at our conferences.

We’ve even known some conference introductions that have led to much more than friendship. You know… Lief and I met, two decades ago, at a conference in Ireland…

The opportunities are endless. And your choices in Panama are countless…

Join us to discover the best ones for you—and to ensure you make every decision informed and with confidence.
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Sincerely,
Kathleen Peddicord
Founding Publisher, Live and Invest Overseas

P.S. From my vantage point here in Panama City, I can tell you that this is a moment of opportunity in this country that, right now more than ever, qualifies as the world’s top retirement, investment, tax, and doing-business haven.

The better acquainted I become with this country, the more convinced I am that this is the place to be (as a retiree, an investor, and an entrepreneur), both now and for the coming decade.

What are you waiting for?

Here in Panama, the sun is shining, and the future is bright…

You owe it to yourself to come see for yourself.

Contact our Conference Coordinators now to order over the phone or to ask any questions: PanamaConference@LiveandInvestOverseas.com. You can also reach us by phone, toll-free from North America: 1-888-627-8834.

“The expats are awesome here”

"I now live in Boquete, Panama. I have been here since Dec. 6 (2018) and have met so many people, some of which have been here for many years. A few of them attended your conference and really enjoyed it, and the information was priceless.


“Thank you for all of your insight, but now it is time for me to explore and visit as many places as I can here and in the surrounding countries. The expats are awesome here, and I enjoy going all of the places they have taken me to see.

“I love it here! Best choice for the beginning of my new adventure!"

‐‐Pam P., Happily Retired In Boquete, Panama

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Frequently Asked Questions

  • Being based here, you could say the Live And Invest Overseas team is biased…

    We love Panama, and think it represents the greatest opportunities in the world for investors, entrepreneurs, expats, and retirees. It’s why we call it the “Do Everything Haven.”

    However, no place is perfect…

    Too many other people promoting Panama fail to reveal or address the big challenges here for North Americans or Europeans, whose homes are very different from Latin America. It can lead to disappointment and resentment, a lot of wasted time and money. Again, hundreds of thousands of people from all over the world are fine or even prefer these differences…

    But we’re no cheerleaders. We’re going to show you the REAL Panama—warts and all.

    For certain people, Panama has more upsides than anywhere else in the world…

    But you need to know the downsides, too, so you can be prepared and decide whether or not they’re a deal breaker for you.

    If, therefore, you want to find your piece of paradise in a beautiful, friendly, and affordable country with two long ocean coasts, while also learning what life here might truly be like…

    Then, YES, this is the event for you.

    You’ll walk away from the Live And Invest In Panama Conference with the knowledge, support, and contacts necessary to make a move or investment with confidence—and that’s a guarantee backed by our 100% Money Back Satisfaction Guarantee.

  • We’ll be meeting in Panama City, Panama, right down the street from Live And Invest Overseas’ main offices, as well as the city home of Kathleen Peddicord and Lief Simon.

    The Live And Invest Overseas In Panama Conference will be hosted within the Hotel Las Americas Golden Tower, located a short walk from the city’s coastal park, the Cinta Costera.

    We’ve negotiated an exclusive nightly rate for you that also includes free breakfast and wifi.

    Keep in mind that you must book through our Events Team to get the best deal (they’ll help you every step of the way). Furthermore, only a block of rooms is available at the discounted rate, so be sure to book your room ASAP.

    Our Events Team is also happy to suggest other hotels for different needs, tastes, and budgets.

    Click here for more hotel and travel information.

    You can also contact us at PanamaConference@LiveAndInvestOverseas.Com,, or toll free from North America at 1-888-627-8834 (or 1-443-599-1221) to ask your questions and to make your reservation.

  • The Live And Invest In Panama Conference features 3 full days of activities taking place over Wednesday, Thursday, and Friday, Jan. 22-24.

    We start early every morning around 8:00 a.m., so we strongly suggest staying in our venue hotel so that you have plenty of time to enjoy free breakfast, while mingling with the other attendees and our experts.

    Each day ends between 6:00 – 7:00 p.m. We host our open-bar cocktail party at the end of the first day, and every day features two free snack and refreshment breaks—one in the morning and one in the afternoon—as well as a lunch break of around 90 minutes. Often certain presenters provide free lunch or dinner during private sessions.

    Please note that speakers and schedule may be subject to change.

    And remember that every session is recorded and available for on-demand playback… so you’ll never miss anything, and you won’t need to write pages and pages of notes.

    Final note: Be sure to speak with our Events Team prior to booking your flight. We’ll have several optional tours available before or after the event. Furthermore, we can help you plan your adventure in Panama if you intend to travel on your own for scouting or relaxation.

    Elite Attendees: Full information will be provided by your event concierge in the coming weeks. Currently, your Private Lunch Q&A with Lief Simon and Kathleen Peddicord is scheduled for Saturday, Jan. 25. Your Elite Expedition tour is scheduled on the same day. The final Elite Schedule will be provided prior to the start of the event.

  • A 100% Money-Back, Satisfaction Guarantee is in place.

    We guarantee that you’ll enjoy the Live And Invest In Panama Conference… and that includes proper support from our Events Team, from the moment you register to the last day of the event.

    If you are disappointed in any way, you can request a full refund as long as you attend the first day and make the request, in person or in writing, before the second day of the event begins. Full credit toward other Live And Invest Overseas events or publications will be provided past this deadline.

    As far as cancellations, you must notify us in writing. For cancellations received more than 30 days before the start of the event, we will return your payment, minus a $250 administration fee per person. For cancellations received less than 30 days before the start of the event, the conference fee is nonrefundable—please note that the entirety of your cancellation fee can be used as a credit towards other Live And Invest Overseas events and products.

    Credits must be used within two years after cancelling attendance for the initial event.

  • You’ll get complete and interactive access to all three days of the event, including the recorded coverage of everything, for only $1,095 $795.

    That’s an investment of just $265 per day, and it comes with an open-bar cocktail party, snacks, coffee breaks, and the complete on-demand program featuring high-video recordings of everything once the event is over.

    If you’re a member of Overseas Living Letter, Overseas Living Unlimited, Global Property Advisor, or Simon Letter, Panama Letter please get in touch directly by email here.

    You can also call us, toll-free from North America, at 1-888-627-8834… or, internationally, at 1-443-599-1221.

  • Yes! Our Events Team would love to hear from you…

    makyLed by Conference Manager Makeyra Davis, our Panama-based team can help you every step of the way.

    They can find an answer to every question you have about the event, including the discounts for which you qualify…

    They can tell you about the hotel, and everything you need to know about traveling to Panama, from tipping to phone chargers to what to wear.

    They can also help book your exclusive nightly rate at the venue hotel, and they can suggest nearby alternatives as well as restaurants and stores to check out…

    Finally, our Events Team is full of travel pros—they can help you finds the best airfare to Panama, no matter where you’re flying in from.

    Get in touch now! Send us an email or call us, toll-free from North America, at 1-888-627-8834... or, elsewhere, at 1-443-599-1221.

“13 years on Taboga Island”

"“Congrats to all [on the anniversary of your company].

You are the reason we have enjoyed 13 years on Taboga Island. We have recommended you to so many and not one complaint."

‐‐Dan and Tekla U., Americans Now Living In Panama

More Reasons
To Join Us In Panama Conference

To learn the secret to having mail delivered in this country (Hint: You don’t rely on the Panama postal service…)
To learn how to navigate Panama City like a pro… we’ll introduce you to the taxi fare zone chart… and the metro and bus lines… plus, we’ll let you in on the best, most hassle-free way of getting around in the city.
To learn how to live in Panama tax-free…
To understand the options for getting a job (Yes, there are some opportunities… and we’ll detail them…)
For a firsthand account of everything you need to know to start a business in this country. Panama is an entrepreneur’s playground. How can you cash in? Our entrepreneurial experts have real-world answers…
To get to know Panama as a tourist. This country is a naturalist’s dream come true and an eco-traveler’s paradise. Come, let us introduce you to Panama beyond the tax and banking advantages, beyond the real estate investment upside, beyond the economic boom and the special benefits for foreign retirees… come discover the other Panama…
To meet like-minded folks who, just like you, are looking for a chance to live better, to retire well, and to invest safe and smart in the current climate…
To mingle with expats who’ve already made the leap… to hear firsthand of their adventures, their discoveries, their accomplishments, and their horror stories… an evening chatting at the bar with these people is alone worth the price of admission…
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Reach us with questions and comments at CustomerService@liveandinvestoverseas.com 
or by phone, toll-free from the United States, at 1-888-627-8834.
Copyright © 2008-2024 Live and Invest Overseas, Founding Publisher Kathleen Peddicord
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